Dual channel is good, you want it in dual channel mode so leave it like that.
Swap or paging file is referred to as 'virtual memory' and it's a file on your hard drive that Windows will use like RAM if you run out of physical RAM. Windows shouldn't do that unless all of your physical RAM is in use. Too see the settings do the following:
1. Open start menu and type 'advanced system settings' and hit enter
2. Check the 'Settings' button inside the 'Performance' section
3. Click the 'Advanced' tab
4. Click the 'Change' button
5. Click the check box at the top that reads 'Automatically manage paging file size for all drives'
Go ahead and change that setting, it's one I like to always use. However, if your CPU is always at 100%, then it seems to be bottlenecking the rest of your system and provides good reason to think it's the source of all of your problems. Earlier you said it was about 75-80% and that shouldn't really be a problem. 100% would be a problem though because all of your CPU cycles are being used faster than it can handle.
Somebody else should chime in. I didn't think those games would completely overload an E7400 but I could be wrong.
randykeith, play one of your problem games and see if both cores of your CPU are at 100% in task manager under the 'Performance' tab. Also, look under 'Processes' tab in task manager and see what all processes are using your CPU. Tell me anything that's using more than 00 under the CPU column and tell me what the number is for each process (.exe).